What is Klarna?
Klarna is your everyday money app, helping you manage spending, payments, and rewards. All in one place.
Built for real life, it gives you flexibility in how you pay, protection when you shop, and smarter ways to get more from everyday spending.
Everyday money simplified
Flexible payments
Pay with Klarna everywhere, online and in-store. Pay in full for everyday spending and choose to pay later for bigger purchases.
Budget tracking
View all your finances in one place. Set budgets, stay on track with reminders, and enjoy a range of other smart features.
Pay with Klarna everywhere
From big brands to everyday favorites, Klarna lets you pay anywhere you want. Look out for Klarna at checkout or use the app.
At checkout
Look for the pink badge when you checkout online at your favorite stores.
In the app
Choose flexible payments at any brand.
Klarna puts safety first
Klarna protects your money and personal information with every purchase.¹
Advanced real-time fraud monitoring
Strong privacy protections, by default
24/7 support when you need it
Real reviews from real people
Join 119m people who love to shop and pay with Klarna, rated 4.6 on the App Store and 4.6 on Google Play.
Available on the App Store
Available on Google Play
Klarna is available worldwide
Over 119m customers across 26 countries choose Klarna's flexible payment options, with 3,4M transactions happening every day.
Frequently asked questions
To be eligible to use Klarna you must:
Be a resident of Switzerland
Be at least 18
Have a valid bank card/bank account
Have a positive credit history
Be able to receive verification codes via text
We’ll email you if your payment is unsuccessful. We’ll also try one more time to collect it. If we can’t collect it a second time, it will be added to your next payment along with a late fee of up to $7.00. The aggregate sum of your late fees will never exceed 25% of your order value at the time of purchase.